Loans in Lyon County, KS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lyon County, KS.
The median household in Lyon County earns $59,912 a year, 19% below the Kansas median of $74,275. About 15% of residents live below the federal poverty line, and 42.1% of households rent their home.
What you need for a payday loan in Lyon County
Lenders that serve Lyon County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Lyon County
What Lyon County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Lyon County
Payday Loans Legal
Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Personal Loans
36% a year cap on closed-end consumer loans; open-end credit uncapped.
Title Loans Legal
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the…
Banks and credit unions in Lyon County
Banks with branches in Lyon County
13 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| ESB Financial | 3 | 801 Merchant St, Emporia 66801 |
| The Citizens State Bank | 2 | 202 Westphalia St, Olpe 66865 |
| The Lyon County State Bank | 2 | 902 Merchant St, Emporia 66801 |
| Community National Bank & Trust | 2 | 1440 Industrial Rd, Emporia 66801 |
| Capitol Federal Savings Bank | 1 | 602 Commercial St, Emporia 66801 |
| Equity Bank | 1 | 702 Main St, Americus 66835 |
| The Bennington State Bank | 1 | 208 Commercial St, Hartford 66854 |
| The Citizens State Bank and Trust Company | 1 | 402 First St, Reading 66868 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lyon County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Emporia State | 310 W 12Th Ave, Emporia 66801 |
| Credit Union Of Emporia | 2711 W 15Th Ave, Emporia 66801 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lyon County
All Kansas counties and cities
Frequently asked questions
Are payday loans legal in Lyon County?
Lyon County follows Kansas law. Payday loans are legal in Kansas from licensed or supervised lenders under the Kansas Uniform Consumer Credit Code, K.S.A.
Are title loans legal in Lyon County?
Car title loans are legal in Kansas but are written as open-end lines of credit by licensed supervised lenders, and open-end consumer loans may carry any finance charge rate the parties agree to.
Where can I get a small loan in Lyon County?
Options include 13 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Lyon County?
Fill out our short online form from anywhere in Lyon County. We share it with lenders in our network that serve Kansas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Lyon County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Lyon County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Lyon County?
Yes. You don't need to visit a branch or storefront anywhere in Lyon County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Kansas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Lyon County, KS?
You can apply at banks, credit unions and lenders in Lyon County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Kansas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get an emergency loan in Lyon County?
Yes. When an unexpected bill comes up, Lyon County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.